Hopefully I can give you some advice, I work in MA for a insurance company. Yes you can make a claim with your insurance company and it will not make an increase in your insurance. The only thing is you are responsible for your deductible. So there will be no increase in your premium. This is for MA insurance only. If you are from another state it could change your premium but I am assuming since you are looking for a body shop in Chelmsford your are from MA. Also there are two places I can recommand one would be A+ auto body in Drum Hill, the other is CarStar in Lowell, MA both have always done a great job and wonderful customer service. Good Luck and if you need anything else please let me know and I can help.